Liquidity
StrongQoQ -1
88
Sub-score
Liquidity is strong: brokered 2.7%, loans/deposits 70.0%, cash 5.5% of assets.
- Cash / Assets
- 5.52%
- Loans / Deposits
- 69.98%
- Brokered %
- 2.75%
No watch items at this period.
Guardian Bank
IDRSSD: 2989006
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q3
Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
92
/ 100
StrongAs of 2025-Q3QoQ +1
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q3
Bank #2989006 2025-Q3 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2025:
↑ +1 ptscomposite
- Liquidity↓ -1
- Securities— —
- Capitalization— —
- Asset Quality↑ +1
- Reserves↑ +4
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.55%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 16.84%, CET1 16.84%, leverage 11.47%.
- Tier 1 RBC
- 16.84%
- CET1
- 16.84%
- Leverage
- 11.47%
No watch items at this period.
Asset Quality
StrongQoQ +1
90
Sub-score
Asset quality is strong: Adjusted NPL 1.63%, Texas Ratio 8.1%, NCO YTD 0.00%.
- Adjusted NPL
- 1.63%
- Texas Ratio
- 8.1%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.11%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +4
76
Sub-score
Reserves are stable: ALLL 1.57% of loans, coverage 97.4%, true coverage 97.4%.
- ALLL / Loans
- 1.57%
- Coverage
- 97.4%
- True Loss Coverage
- 97.4%
No watch items at this period.
Methodology + sources
- Vital Signs Score
- Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See
functions/src/vitalSignsScore.tsfor the complete formula and band anchors. - Period addressing
- Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
- Source data
- FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via
CallReport_Financials+CallReport_FdicData(Visbanking nightly ingest).
Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.
Generated: 2026-05-14 02:42:20 UTC